Black Friday shopping: Plan ahead for a stress-free holiday season

Black Friday is right around the corner, which means the holiday shopping season is almost here. But for many people, shopping can be both emotionally and financially stressful. Purchases add up quickly, and a lack of planning can cause financial strain. Here are some ways to avoid overspending and enjoy a financially stress-free holiday season.

Make a list, check it twice. There’s no quicker way to bust a budget than with impulse shopping – especially on Black Friday. That’s why so many consumers end up paying off holiday purchases well into spring. To avoid being saddled with unpaid bills, here are some easy actions you can take:

Make a list of everything you’d like to buy for yourself and others

Note the maximum amount you’d spend on each line item, but be realistic and reasonable

Stick to your plan—if it’s not on the list, don’t put it in your cart

Start saving now. It’s fine to use a credit card for last-minute purchases you know you can cover, but there’s still plenty of time to save for gift giving and party planning. By saving now, you can spread your budget over the next few paychecks. This will keep your spending even – and keep your list on track. You’ll be glad you did when your January statements arrive without any surprises.

Shop online and in-store. Black Friday shopping can be overwhelming, but there’s a lot you can do to mitigate some of the craziness. Here are some tips to make shopping smoother online and off:

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